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Message
Short Term Investment Options
Posted on 6/21/25 at 7:08 am
Posted on 6/21/25 at 7:08 am
What would y’all recommend?
I have about $60-80k that I’m looking to invest for a 6-8 month period.
It seems the short term CD rates are comparable to a HYA.
My current plan is to park 90% of it in whichever option has the better rate, CD or HYA.
Then put the other 10% in the stock market.
ETA: Hadn’t had my second cup of coffee for the morning. Updated to 10% going in stocks.
I have about $60-80k that I’m looking to invest for a 6-8 month period.
It seems the short term CD rates are comparable to a HYA.
My current plan is to park 90% of it in whichever option has the better rate, CD or HYA.
Then put the other 10% in the stock market.
ETA: Hadn’t had my second cup of coffee for the morning. Updated to 10% going in stocks.
This post was edited on 6/21/25 at 11:56 am
Posted on 6/21/25 at 7:51 am to GeauxTime9
quote:
I have about $60-80k that I’m looking to invest
quote:
My current plan is to park 90% of it
quote:
Then put the other 90% in the stock market.

Posted on 6/21/25 at 8:00 am to GeauxTime9
How flexible do you need the money? CDs will give higher interest but basically to get it your locked in for 6 months.
Posted on 6/21/25 at 8:00 am to GeauxTime9
Do not put short term investments into the market baw. If you need that money in 6 months and it goes down 10% after 2 months, you’re gonna panic
Posted on 6/21/25 at 8:15 am to GeauxTime9
quote:
My current plan is to park 90% of it in whichever option has the better rate, CD or HYA.
Then put the other 90% in the stock market.
Can someone math this for me?
Posted on 6/21/25 at 8:17 am to GeauxTime9
quote:
What would y’all recommend?
SLS
Posted on 6/21/25 at 9:39 am to GeauxTime9
I put my short term cash in a money market account like VMFXX.
Posted on 6/21/25 at 10:54 am to GeauxTime9
SGOV
Or…
FIDELITY GOVERNMENT MONEY MARKET (SPAXX)
Or…
FIDELITY GOVERNMENT MONEY MARKET (SPAXX)
This post was edited on 6/21/25 at 10:58 am
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